While it appears that the Affordable Care Act (ACA) may have slowed the rate of annual increases in health insurance premiums, the overall cost of health insurance continues to rise.1, 2, 3 Employers subsequently continue to face the dilemma of either absorbing these annual cost increases and thereby reduce potential profit or passing these costs onto their employees and thereby reduce their potential take-home pay. In other words, do you face the ire of shareholders or workers?